Chex Systems for overdrawing and letting account sit and close and sent to collections?
You over draft today and don't pay until Friday that still won't get you to collections or chex systems??
The score is fine, but I assume you have never had an auto loan?
and did you mean EQ score from here? you are not getting an EX from here?
You should be find on a car loan but not sure about best rates and REALLY not sure about $25-$30k car loan first time but if new and at specific brand, finance managers can usually really help get things pushed through if they want. once you start applying for loans, apply all over the place and let the dealer try to beat any rate you get... if you are not getting good rates, let dealer tell you first what they got, then say oh I have been shopping around and i have this .... if yours better, make them beat it... not match, beat it! and if you have choice of match or save .25% from going to dealer bank found or using your own bank... use your own! the relationship can only grow from a positive car loan over time.
Is my problem getting a low apr? Or just being approved is the question?
it's tricky and sometimes I'm surprised!
I think it's going to be APR though...
capital one jsut gave my sister a loan at 5% which is lower than what I have and Im sure her credit is iffy.
Thank you so much for that. I feel so much better after hearing that. I will probably do my car shopping end of February or beginning of march and will keep you all posted thanks!!